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RamblingRose

(1,044 posts)
Sat Apr 16, 2022, 11:27 AM Apr 2022

Do you get the car rental insurance when renting a car? n/t


24 votes, 0 passes | Time left: Unlimited
Yes
2 (8%)
No
20 (83%)
Sometimes
2 (8%)
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Disclaimer: This is an Internet poll
14 replies = new reply since forum marked as read
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Do you get the car rental insurance when renting a car? n/t (Original Post) RamblingRose Apr 2022 OP
I always relied on my credit card's rental insurance... Buckeye_Democrat Apr 2022 #1
I've been paying regular auto insurance for decades. Eyeball_Kid Apr 2022 #2
Yeah, that too. Buckeye_Democrat Apr 2022 #3
That's always been my assumption as well (credit card + car insurance) but as you said I've never RamblingRose Apr 2022 #11
Yes, because I own old cars, and I'm not covered for damage to what I'm driving. mahatmakanejeeves Apr 2022 #4
Is the insurance coverage for the rental based on the insurance coverage of the driver? We have RamblingRose Apr 2022 #10
Disclaimer: This is not legal advice. mahatmakanejeeves Apr 2022 #13
No, it is covered by your existing policy. nt BrightKnight Apr 2022 #5
Depends. The one time I didn't I bent the tail gate. LakeArenal Apr 2022 #6
My auto policy covers me RainCaster Apr 2022 #7
Careful zipplewrath Apr 2022 #14
My credit card covers me. Dial H For Hero Apr 2022 #8
Only outside of the US. pdxflyboy Apr 2022 #9
I got the insurance when we rented in Newark & drove to NYC, mainly cause we got the rental for so RamblingRose Apr 2022 #12

Eyeball_Kid

(7,441 posts)
2. I've been paying regular auto insurance for decades.
Sat Apr 16, 2022, 11:32 AM
Apr 2022

That policy covers ME as a driver. Getting other insurance might feel good and increase the FEELING of assurance, but doesn't really do any further protecting of health and welfare in the event of an accident.

Buckeye_Democrat

(14,861 posts)
3. Yeah, that too.
Sat Apr 16, 2022, 11:33 AM
Apr 2022

I've had regular auto insurance for a long time too, but I haven't needed it in years... and never with a rental car.

I always max-out the liability, since it's inexpensive anyway.

RamblingRose

(1,044 posts)
11. That's always been my assumption as well (credit card + car insurance) but as you said I've never
Sat Apr 16, 2022, 12:16 PM
Apr 2022

had to test it.

mahatmakanejeeves

(57,853 posts)
4. Yes, because I own old cars, and I'm not covered for damage to what I'm driving.
Sat Apr 16, 2022, 11:35 AM
Apr 2022

You know what I mean. If I hurt someone, I'm covered for that. But if I total my own car, that's my problem.

RamblingRose

(1,044 posts)
10. Is the insurance coverage for the rental based on the insurance coverage of the driver? We have
Sat Apr 16, 2022, 12:12 PM
Apr 2022

4 drivers/4 cars on our policy. My husband's truck has Liability & Collision and my van just has Liability. Does that mean if I'm driving the rental I'm not covered for Collision?

I've never figured out how to assign who drives what with car insurance policies.

mahatmakanejeeves

(57,853 posts)
13. Disclaimer: This is not legal advice.
Sat Apr 16, 2022, 12:36 PM
Apr 2022

Last edited Sat Apr 16, 2022, 01:56 PM - Edit history (1)

The coverage of the rental car is based on the coverage of the person who completes the form and says who will be driving.

If you're driving, and you wreck the rental, and you don't have coverage for your own car (meaning that if you wreck your own car, you're out of luck), then the rental car company will come after you. If you buy the rental car agency's supplemental insurance, then they won't come after you.

You might find that your credit card picks up the tab for supplemental coverage. Look into that first.

Once again, this is not legal advice.

LakeArenal

(28,906 posts)
6. Depends. The one time I didn't I bent the tail gate.
Sat Apr 16, 2022, 11:39 AM
Apr 2022

Estimate was $500. Rental agent took the panel off, rubber malleted the dent and charged us $100.

Adobe for anyone who cares.

zipplewrath

(16,646 posts)
14. Careful
Sat Apr 16, 2022, 01:26 PM
Apr 2022

Some policies will only cover up to the current value of YOUR car. If you're driving an old beater, they may not fully cover that current SUV you're renting.

RamblingRose

(1,044 posts)
12. I got the insurance when we rented in Newark & drove to NYC, mainly cause we got the rental for so
Sat Apr 16, 2022, 12:25 PM
Apr 2022

cheap I figured what was a few extra bucks. Otherwise, i've always declined it.

We'll be renting a car to drive to Baltimore and staying there for a couple of days. A friend recently told me of people harvesting for car parts in hotel parking lots which got me wondering if theft is covered.

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